Annuity Rates — Compare Today's Best Rates Across Carriers
Side-by-side comparison of 520+ annuity products from 108 carriers. MYGA guaranteed rates, FIA cap rates, carrier ratings — all sourced from CANNEX.
Top 5-Year Guaranteed Rates
MYGASafe Harbor Bonus Guarantee
6.45%
BStaysail
6.30%
A-Anchor MYGA
6.30%
B++Security MYGA
6.25%
B+Alpine Horizon
6.15%
B+Trusted Carriers
6.45%
Best 5-Yr MYGA
4.47%
Avg 5-Yr MYGA
13.00%
Best S&P 500 Cap
520+
Products Tracked
91
Rated Carriers
MYGA Rate Comparison
Top 15 multi-year guaranteed annuity rates, sorted by 5-year rate. Click any row to expand. Updated March 4, 2026.
| Carrier | Product | 3-Year | 5-Year | 7-Year | AM Best | |
|---|---|---|---|---|---|---|
Rates sourced from CANNEX. Subject to change.
View all ratesTop FIA Cap Rates
Best S&P 500 annual point-to-point cap rates. Updated March 4, 2026.
Global Atlantic - Forethought Life Insurance Company
ForeAccumulation II Advisory
13.00%
S&P 500 Annual Cap
100% participation
Americo Financial Life and Annuity Insurance Company
OptiMark
12.30%
S&P 500 Annual Cap
100% participation
Americo Financial Life and Annuity Insurance Company
OptiMark LT
12.30%
S&P 500 Annual Cap
100% participation
MassMutual Ascend Life Insurance Company
Index Protector 5 MVA
12.00%
S&P 500 Annual Cap
100% participation
The Standard
Enhanced Choice Index Plus 7
12.00%
S&P 500 Annual Cap
100% participation
Free Personalized Report
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The highest-rated products matched to your profile — rates, carrier ratings, and features in one personalized report.
Compare by Product Type
Every major annuity category with current rate data
Multi-Year Guaranteed Annuity
Guaranteed fixed rates for 3, 5, or 7 years. No market risk. Compare across carriers.
Fixed Indexed Annuity
Index-linked returns with cap rates, participation rates, and principal protection.
Single Premium Immediate
Convert a lump sum into guaranteed income payments starting within one year.
Deferred Income / QLAC
Lock in future guaranteed income. QLACs reduce RMDs up to $200K.
91 Carriers Rated
AM Best, S&P, Moody's, and Fitch ratings for every carrier. Financial strength assessments and product lineups.
Annuity Reviews
In-depth analysis of individual annuity products
Rate data sourced from CANNEX Financial Exchanges. Carrier ratings from A.M. Best, Standard & Poor's, Moody's, and Fitch. All rates subject to change and should be verified directly with carriers.
Last updated: March 4, 2026